Superannuation
Employer superannuation (Super Guarantee) is typically paid on top of your cash salary.
“Salary includes super” vs “super on top”
If your role is quoted as a package (includes super), your take-home pay is lower than if the same headline number was cash salary with super on top.
How to use this in salary decisions
- Confirm whether an offer is total package or base salary before comparing jobs.
- Use the same super rate when comparing different employers.
- Model both scenarios in the calculator to see the cash-salary difference.
Assumptions and limits
Super rules can vary with employment type, award conditions, and legislative updates. Treat these examples as planning guidance and verify details with official ATO information.
Sources
- ATO: Super guarantee: ato.gov.au